Four Smart Education Moves You Won’t Regret

When it comes to education, you want to leave no room for mistakes. You want to do this once and you want to do it right. So here’s a look at some smart education moves concerning your career that you will not regret.

Financial aid

Who can afford to go to college? Anyone can! While you might be worried about paying for college, you should also know that all it requires is some financial planning and research. Each year, the U.S. government allots a fixed amount of money to be handed out to students in the form of financial aid. In order to receive financial aid from the government, you have to fill out the Free Application for Federal Student Aid (FAFSA) as close as possible to the first of January, every year. Based on your responses, the government will then decide what kind and the amount of financial aid you are likely to receive. So it is prudent to take the time to fill out your FAFSA as carefully as possible. Other than that, you should enquire about private loans, scholarships, government grants, and work-study options.

Pick a smart major

College is an investment in your future. And while you should always pursue a career in something that interests you, you should see if your interests align with the in-demand careers that are relatively unaffected by the economic downturn. This way, not only will you end up in a job you find enjoyable and interesting, but you also won’t have to worry about unemployment. Examples of fields you should look into are: healthcare, information technology, economics and finance, law, etc.

A brand name isn’t everything

It would be great if you got into an Ivy League school, but remember this: a good school is one where YOU flourish. A place where you not only learn and make friends, but take away experiences that last a lifetime. Keep in mind that a brand name won’t guarantee success. How well you do in life depends upon your determination and hard work.


The importance of accreditation is not limited to providing reassurance about the quality of education you receive at a college-it also extends to many other aspects of your education. Financial aid is available only to those students who choose to attend an accredited college. Also, it is important to know the kind of accreditation your college holds, if you decide to transfer your credits to another college. Furthermore, a degree from an accredited college is more likely to be accepted and recognized by potential employers in the job market.

When it comes to choosing a college, the most important thing is the way it fits your needs. Where your friends go to college or whether a college ranks high hardly matters. If you do a little bit of research, you’ll be able to find colleges that not only meet your needs, but surpass them as well. Take for example colleges like California College San Diego. According to reviews of California College San Diego, the college allows its students to complete their programs in less-than-traditional time, giving them the chance to join the workforce that much sooner. Read a California College San Diego review to find out more!

In order to have a fulfilling, happy career, you need to make smart education decisions, and leave very little room for mistakes.

Financial Freedom Comes From The Mindset Of A Millionaire

If you look at the financial education backgrounds of the rich businessmen, you are able to find out that most of them received an education from the most prestigious business schools around the world. If you are going to ask them, it is an investment to study and be ready for the real life. Prior to financial security, and financial freedom they first invested on their very own education.

Financial freedom is among the top 10 main goals of people. We all want to have financial freedom at the end of our career. We want to retire getting on cruise ships and exploring the whole world. In order to become financially secured, you first need to have the mindset of a millionaire.

If you come to think of it, the so-called millionaire’s mindset is the product of formal financial education. People who have successfully gained financial freedom are those who had acquired the knowledge of producing great results financially, through financial education.

Once you attained having a financial and economic background, you should start formulating a plan. One of the most common mistakes people commit is to lower their guard from circumstances that may take away our income. With over reliance to nine to five conventional jobs, you have to admit that you are vulnerable to the effects of recession.

What you need to change is your very own plan. You should find ways on how to establish passive forms of income aside from the interest you get from the bank savings. You need to understand that stocks, gold, silver, copper, diamond, currencies are all excellent sources of passive income.

Whether you are going to make use of stocks, commodities or currencies, you need the basic and advanced knowledge on investing in order to get the most returns for your capital. There are so many entry-level trading platforms out there to help you even if you are only starting.

Another thing that you need to remember, if you want to have financial freedom, minimizing your risks on every single investment is crucial. That is the most common (greedy) mistake people commit. They would sometimes invest everything on a market that is booming.

Though there are markets that are growing, you have to take into consideration the economic bubble. The economic bubble once saturated will deflate and create a cascade of effects on your investments. If you diversified your investments between stocks, commodities and even real estate; this only means you have a buffer when things go wrong.

It is essential to know how to create a buffer for your finances. Millionaire mindset will never risk everything on a single asset. This is the reason why you see large companies explore on new things. Do you think, Google will always be just an internet company?

What Google did was to explore on creating web-based applications and operating systems. This means that you get to have their trademark product but now with another twist. For individual investors, you should also do the same. You can look at some successful companies such as Kodak. Now, they are on the verge of collapse since they invested mainly on films despite the start of the digital era.

Having the so-called millionaire mindset is essential. However, you need to agree that it is even more crucial to get the right financial education first. From here, you could improve your skills, widen your knowledge and even create better plans. Though financial freedom sounds impossible today, with the right game plan; you could accomplish just that.

Secrets to Success With Financial Education – Part 1

For most people financial success means having the freedom to live their own lifestyle and spending more time with their family and friends. Not in 10 years or 5 years time, but now. The hardest part in that equation is achieving financial success. If you like the idea of someone else taking responsibility for your financial success then go and see a financial adviser although it’s unlikely they will provide you with the same definition of financial success that you had in mind.

The resources available to most financial advisers are limited to traditional investments and we all know what happened to those over the last couple of years. If you’re looking for the financial success that’s outside a financial adviser’s vocabulary then you need to take responsibility of your own financial education. So what are the secrets to success with financial education?

To answer that let’s first look at the components of traditional financial education. The 3 basic components are short term, medium term and long term financial education and knowing what you should be doing in each of those time frames to achieve your financial success.

Short term education will traditionally include looking at your income and expenses, perhaps preparing a budget, tax planning to minimise any taxes you pay, and protecting your assets, family and yourself through appropriate insurance. Medium term financial education is going to focus on things like planning for your children’s education, next car and perhaps even your next overseas holiday.

Long term financial education is going to focus on your retirement. When and how you are going to get there and what resources or investments you are going to use to get there.That’s the traditional financial education path your financial adviser will take you down and that’s fine if your definition of financial success is the same as his.

But, if you want the kind of financial success that provides the lifestyle and freedom you seek then clearly you need to change something. You need to take control and responsibility for your own financial decisions and success through financial education. Your financial education therefore needs to focus on your short term picture and this is in 2 parts.

For a start you need to become self employed, so that’s where the first part of your education begins. Have you ever seen an employed person living the lifestyle they want? Taking whatever time they want to spend with the kids or travel on holidays? It doesn’t happen. If you’re already self employed and not achieving your goals then possibly you are in the wrong business and need to change.

Your aim or task is to educate yourself through research on finding a business where you are self employed and a business with the potential to generate an income that will provide the lifestyle and freedom you seek. This article is not the place to tell you what that business should be as everyone has different backgrounds, skills and resources but there are countless opportunities out there and it’s up to you to find the right one. I wouldn’t ask your financial adviser either, he’ll be more focused on your long term picture. The second part of the Secrets to Success through Financial Education will look at the education you need to make the right investment decisions to change your lifestyle now.

Using Suntech Student Loans to Fund Your Education

Attending and graduating college these days is very expensive. Getting a college education is possible with Suntech student loans. These days, getting a college education can be difficult, if not impossible. Without an educational financial plan a college degree may be unattainable. Fortunately, there are now many student loans packages that are being offered to students who dream of a college diploma but could not afford one.

Suntech student loans are being expertly managed by the Collegiate Funding Services-Suntech Servicing. As the seventh largest service provider of Federal Family Education Loan Program (FFELP), Suntech is a company well known for its integrity and high quality loan servicing.

Suntech student loans offer a student several options but the best one is loan consolidation. Loan consolidation means that all loans are being merged into one so that there is a single major account to manage. Oftentimes, a student may need more than just one account to put himself through college. Assuming that he is granted several loans, such loans will have varying interest rates. A glaring problem with multiple accounts is the tendency to miss a payment of at least one of the accounts. Worse, the student may be charged with penalties for missed payments. This is where the beauty of the loans consolidation program comes in. It is a wise move to seek student loan consolidation advice from Suntech.

One of the first things the Suntech student loans consolidation program does is to look at all the student loans that the prospective borrower is presently carrying. Carefully analyzing the varied interest rates, Suntech will offer to the borrower the consolidation program borrower that will combine all of his federal student loans into one, resulting to reduced interest rates by as much as 50%. In many cases consolidation allows one a longer period of repayment. For instance, if the regular period of repayment is only ten years, one can be given a period of up to thirty years with the Suntech student loans consolidation program. This effectively lowers the monthly loan payment at time when money is tight.

Another great feature of this loans consolidation program is that it requires no credit checks, so even if one has no satisfactory credit rating (and this is quite common in students), he can still complete a college education through Suntech.

Suntech’s student loans consolidation program will work best for those who are unable to effectively manage multiple accounts. At the same time, it will also benefit those who may have a hard time paying off their loans after graduation when to student is just entering the job market.